1038 Charles St, Aurora, IL 60506 Property Records

Kane County property record for 1038 Charles St, Aurora, IL 60506

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1952
Lot Size	0.138 acres (6,013 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Jul 2013)
Tax Bill	$4,409 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`15-20-230-002`

Property Details

APN / Parcel Number

Primary APN	`15-20-230-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Gross Area	1,976 sqft
1st Floor Area	768 sqft
Basement Area	768 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Bungalow
Construction Type	Frame
Lot Area	6,013 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	1038 CHARLES ST
City	AURORA
State	IL
Zip	60506-3713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST PARK ADDN : LOT 10 BLK 28 LOT DIMENSIONS: 50 X 120.25 APPROX LOT SQ FT 6013 SUBDIVISION: SECTION 20 RANGE CODE: 001
Legal Subdivision	WEST PARK ADDN
Legal Block	28
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	2
Census Block	2005
Census Tract	853100

Owner

1038 Charles St is owned and occupied by an individual who bought it in July 2013.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1038 CHARLES ST, AURORA, IL 60506-3713
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Oct 28, 2017	Deed of Trust, Mortgage · Line of Credit EARTHMOVER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2013 · Amount on File
Deed Sale	Jul 31, 2013 · Amount on File
Prior Sale	Aug 30, 2004 · Amount on File
Deed Document Number	201356241
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1038 CHARLES ST, AURORA, IL 60506-3713
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012949
Date	Feb 18, 2021
Instrument	2021K012949

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	270 Months
Due	Aug 1, 2043

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1038 CHARLES ST, AURORA, IL 60506-3713
Document Number	0000060374
Instrument Date	Oct 28, 2017
Transaction Type	Mortgage
Record Updated	Dec 5, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1038 CHARLES ST AURORA IL 605063713, AURORA, IL 60506-3713

Mortgage

Document Number	0000060374
Date	Nov 17, 2017
Instrument	60374

Lender

Name	EARTHMOVER CU
Type	Credit Union
Address	AURORA, IL 60507

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 16, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1038 Charles St was $4,409 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Aurora City
County	Kane County
County Subdivision	Aurora Township
Unified School District	Aurora West Unit School District 129 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,409.00 Homeowner's exemption	$67,368 (+9.39%) Land $8,329 Building $59,039	$202,185 (+9.39%) Land $24,997 Building $177,188
2024		$61,585 Land $7,614 Building $53,971	$184,829 Land $22,851 Building $161,978
2022	$3,913.00 (+5.13%) Homeowner's exemption	$50,206 (+7.41%) Land $6,207 Building $43,999	$150,618 (+7.41%) Land $18,621 Building $131,997
2021	$3,722.00 Homeowner's exemption	$46,743 Land $5,779 Building $40,964	$140,229 Land $17,337 Building $122,892

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1038 Charles St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1038 Charles St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	AURORA serves 183,000 people · EPA ID IL0894070
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	26 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 498 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Metronet, T-Mobile, Verizon, Watch TV.

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